Corporate Briefing Session (CBS) Presentation

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14 April 2026

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Important notice

Forward-looking statements

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There are several factors which could cause the Bank's actual results and its plans and objectives to differ materially from those expressed or implied in forward-looking statements. The factors include (but are not limited to): changes in global, political, economic, business, competitive and market forces or conditions, or in future exchange and interest rates; changes in environmental, geopolitical, social or physical risks; legal, regulatory and policy developments, including regulatory measures addressing climate change and broader sustainability-related issues; the development of standards and interpretations, including evolving requirements and practices in ESG reporting; the ability of the Bank, together with governments and other stakeholders to measure, manage, and mitigate the impacts of climate change and broader sustainability-related issues effectively; risks arising out of health crises and pandemics; risks of cyber-attacks, data, information or security breaches or technology failures involving the Bank; changes in tax rates or policy; future business combinations or dispositions; and other factors specific to the Bank, including those identified in the financial statements of the Bank. To the extent that any forward-looking statements contained in this document are based on past or current trends and/or activities of the Bank, they should not be taken as a representation that such trends or activities will continue in the future.

No statement in this document is intended to be, nor should be interpreted as, a profit forecast or to imply that the earnings of the Bank for the current year or future years will necessarily match or exceed the historical or published earnings of the Bank. Each forward-looking statement speaks only as of the date that itis made. Except as required by any applicable laws or regulations, the Bank expressly disclaims any obligation to revise or update any forward-looking statement contained within this document, regardless of whether those statements are affected as a result of new information, future events or otherwise.

Financial instruments

Nothing in this document shall constitute, in any jurisdiction, an offer or solicitation to sell or purchase any securities or other financial instruments, nor shall it constitute a recommendation or advice in respect of any securities or other financial instruments or any other matter.

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Navigated the economic downturn cycle well through effective pricing discipline, pass through and risk management

Accelerated in areas where we have distinctive competitive advantage

Maintained discipline on costs and improved our productivity

Continued to strengthen our foundations and controls

Entered 2026 with a strong capital base and continued investments in

new digital technologies and platforms

…and are now ready for the next phase of our transformation goals including achieving higher returns, building a best-in-class customer experience and strengthening our position as an employer of choice to deliver sustainable growth and substantial value for our clients and shareholders

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Largest international bank in the country, serving all segments

Wealth and Retail

Banking

1

Corporate &

Institutional Banking

2

• Serving over 600K customers with wide range of assets, deposits and WM solutions

• Contributes 44% to bank's revenue

• Enjoys leadership position for key assets products, digital and affluent segment

• Advances and deposits were up 12% and 1%

  respectively in 2025

• Efficient and productive network of 38 branches (1 EPZ Branch)

• High digital adoption

• Serving over 500 global corporates, 400 local corporates and medium enterprises, financial institutions, SOEs and Government of Pakistan

• Contributes 46% to bank's revenue

• Robust advances growth by 29%; while deposits were lower by 38% in 2025

• Leverages on global footprint by offering unique end to end client solutions including cash management, corporate finance, cross-border solutions as well as employee banking

  Central & Other Items

  3

  Islamic Banking

• Comprising non client activities such as Treasury Markets and central functions

• Contributes 10% to bank's revenue

• Responsible for effective liquidity and interest rate risk management

• Serving over 200k customers and cuts across all businesses

• Contributes 19% to bank's revenue; 37% to advances and 21% to deposits

• Bank leverages on Islamic Window model

• Operates under the global SC Islamic brand of

"Saadiq" 7

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Strong fundamentals continue

PKR 203bn dividend payout since 2010

101

90

15

8

13

6

18 27

8 11

25

12

50

15

59

35 35

24

11

25

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Statutory OP (PKR bn) Dividend (PKR bn) Dividend Yield

✓AAA / A1+

✓1st

✓21.9% ✓33.1% ✓25.2%

✓3.6%

• ​98%

Digitizing

Business

327 366

378 425 466

557

627

734 720

836

650

65%

35%

4% 96%

WRB, 44%

CIB, 46%

Branches Deposit

✓ ✓ ✓ ✓

2011 2025

COI, 10%

8

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Healthy Return on Equity 25% (43% in FY'24)

3rd highest in the industry

Cumulative dividend

65% (PKR 6.5 per share)

Consistent dividend payout

Lowest Cost

to Income Ratio

30% (19% in FY'24)

Best in the industry

Strong growth in

Advances

PKR 43B (up 25% since Dec'24)

With prudent risk approach

Profit before tax

PKR 58.5B

y/y reduction due to rate cuts

Loan impairment

reversals

PKR 1.8B (PKR 4.9B last year)

Fourth consecutive year of reversals

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Six years in a glance

Cost to income ratio (%)

30%

32%

30%

20

21

22

23

24

25

Deposits (PKR bn)

836

20

21

22

23

24

25

Delivering better Income, OP, CI and RoE despite challenges

Revenue per HC (PKR mn)

22%

18%

19%

61

7

52

2,634

44

2,279

29

2,214

16

16

2,053

1,957

6

5

4

3

2

1,842

1

Income (PKR bn)

118

108

Total cost (PKR bn)

24

22

81

19

63

22%

14

41

12

12

37

13%

10%

11%

7%

20

21

22

23

24

25

-15

20

21

22

23

24

25

Operating Profit (PKR bn)

Net Advances (PKR bn)

101

178

172

20

21

22

23

24

25

20

21

22

23

24

25

20 21 22 23 24 25

Return on Equity (%)

24%

25%

17% 17%

234

216

220

214

46% 43%

89

50

58

24

25

718

720

627

650

557

20 21 22 23 24 25

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Resilient Financial Performance

Highlight

PKR Million

FY 2025

Actual

FY 2024

Actual

Var %

Vs. FY 2024

Net Interest Income

Non Interest Income

Revenue

61,463

19,090

80,553

93,513

24,659

118,172

-34%

-23%

-32%

Operating expenses

Total operating expenses

(23,872)

(23,872)

(22,460)

(22,460)

6%

6%

Profit before tax and provisions

Reversal / (Provisions) and write offs - net

Profit before tax

Taxation

56,682

1,811

58,493

(29,712)

95,712

4,908

100,620

(54,553)

-41%

-63%

-42%

-46%

Profit after tax

EPS - Rupees ROA

ROE

CI Ratio

28,781

7.43

3.0%

25.2%

29.6%

46,067

11.90

4.5%

43.1%

19.0%

-38%

• FY 2025 revenue was lower by 32% due to sharp fall in interest rates

• Cost increase in single digit by 6% y/y. Bank continues to lead the industry with lowest cost to income ratio of 29.6%

• Strong recovery efforts and risk discipline continued resulting in net reversal of PKR 1,811mn. This is the fourth consecutive year of provision reversals

• PBT of PKR 58.5bn

• Healthy Return on Equity of 25.2%

• Strong Return of Assets of 3.0% (highest in the industry)

Quarter on quarter PBT

PKR B

26.2

24.7

24.6

26.2

25.1

17.0

15.9

13.2

12.4

Q4 '23 Q1 '24 Q2 '24 Q3 '24 Q4 '24 Q1 '25 Q2 '25 Q3 '25 Q4 '25

‌D e pos i t s Mi x D e c - 2 5 % t o T ot a l D e c - 2 4 % t o T ot a l Va r %

C ur r e nt a c c o unts 3 8 5 ,7 6 9 59% 4 0 3 ,5 1 1 48% - 4 %

Sa vings de po s its 2 4 9 ,4 4 8 38% 4 0 6 ,1 3 8 49% - 3 9 %

C ASA 6 3 5 ,2 1 8 98% 8 0 9 ,6 4 9 97% - 2 2 %

Fixe d de po s its 1 4 ,9 2 3 2% 2 5 ,9 7 8 3% - 4 3 %

T ot a l 6 5 0 ,1 4 1 100% 8 3 5 ,6 2 7 100% - 2 2 %

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Well capitalized and liquid

PKR Million

Dec-25

Actual

Dec-24

Actual

Var %

ASSETS

Cash and balances with banks Lendings to financial institutions Investments - net

Advances - net Intangible assets Other assets

TOTAL ASSETS LIABILITIES

Borrowings from financial institutions

Deposits and other accounts Other liabilities

80,790

32,266

478,413

214,151

26,095

41,156

872,871

82,306

83,702

654,340

171,567

26,095

39,282

1,057,292

-2%

-61%

-27%

25%

0%

5%

-17%

14,677

650,141

97,591

18,285

835,695

85,590

-20%

-22%

14%

TOTAL LIABILITIES

Equity

AD Ratio (Country) AD Ratio (LCY) CAR

CASA

762,409

110,462

32.9%

33.1%

21.90%

97.7%

939,570

117,722

20.5%

21.7%

23.48%

96.9%

-19%

-6%

• Strong advances growth of 25% for FY 2025 as the economy gathered momentum amid lowering of interest rates

• Advances book remains short-term ~ 95% under one year focusing

  on trade and working capital lines at improved returns

• Investment portfolio reflective of balance sheet dynamics and placed primarily in short term government securities

• Adequate loss coverage ratio 111% (specific provision 100%)

• Deposits declined by PKR 185bn; 22% in FY 2025 driven by reduction in corporate deposits due to repatriation of funds and deposit optimization initiative reflected in the improved current accounts mix from 48% at close of 2024 to 59% in 2025

• Strong and liquid balance sheet with LCY and Total AD ratio of 33.1% and 32.9% respectively

• Bank remains adequately capitalized with CAR of 21.90%

Deposits Mix

Dec-25 % to Total Dec-24 % to Total Var %

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Strong, liquid & well capitalized

SCB Strengths

• Largest share in MNCs &

Correspondent Banking

• Amongst top players in

Affluent, EB, and mortgage space

• Trusted Advisor to the

Sovereign

• Biggest

• Leader in FX spend and

Spend per Card

• Lowest

• Strong Return on Equity

Market Standing - Punching above our weight

70%

60%

50%

40%

30%

20%

10%

0%

30% 30% 32%

Cost to Income ratio

25th

38

16th

1.4%

14th

1.6%

14th

2.3%

10th

3.7%

56% 57%

50%

44%

39% 40%

64%

60%

40%

35%

30%

25%

20%

15%

10%

5%

0%

14% 15% 15%

Return on Equity

25%

17% 18% 18% 19% 19%

31%

34%

SCB MEBL UBL MCB NBP HMB ABL HBL FABL BAHL BAFL

ABL BAFL HBL NBP HMB MCB BAHL FABL SCB UBL MEBL

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What to watch

Bank remains well positioned to leverage opportunities and mitigate headwinds

• Geo-political tensions especially in Middle East

• Fiscal slippages on revenue and expenditure front due to above crisis and climate changes

• External account and PKR stability at risk with pick-up in import bill and repayment of bilateral deposits

• Higher inflationary pressures which may lead to increase in interest rates

• Slower progress on structural reforms including circular debt, broadening of tax base and privatization

  Potential

  tailwinds

• Improvement in geo-political and diplomatic stature may result in economic dividends

• Successful completion of IMF program and realization of further bilateral / multilateral support

• Renewed focus on the mineral and IT sector

• Growth in private sector advances in low-interest rates - increased economic activity and GDP

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Here for Good

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Inclusive Communities

Futuremakers

our global youth centric empowerment initiative, tackling inequality and promoting financial inclusion

Empowering 70, 000

young women to gain skills and sustained employment

Creating

& sustaining 140,000

jobs by 2030

Supporting

entrepreneurs to create 70,000 jobs in communities

Goal Programme (2016 - 2023)

Goal Accelerator Programme

• Support 450 Young Women for

entrepreneurship and employability

Employability

Sustained employment

Futuremakers Inclusive Employability Project

Phase 1

Phase 2

Disadvantaged young women

Employee Volunteering

#PoweringYoungPeople

Standard Chartered Karachi United Youth League

Entrepreneurship

Futuremakers Inclusive Employability Project

Standard Chartered Women in Tech

Agri Sector project (Phase 1)

(Phase 2)

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At the core of our strategy

Environment Social Governance

• Sustainable Trade Structures

  • Sustainable use of proceed structures to help clients in

    their day-to-day trade needs

  • Sustainability Linked structures to incentivize clients in meeting their sustainability targets

  • Several transactions done to support BCI cotton trades

• Green Project Financing

  • Promote eco friendly projects

  • Exploring Retail Clients Solar Financing solutions

• Transition Finance

  • Project Financing for Clients to gradually align business

    with net zero goals

• Carbon Credits

  • Opportunities in Carbon trading space with large local Corporates

  • Purchase of Carbon Credits generated through Delta Blue Mangrove restoration project in Sind

• Climate Risk Mitigation

  • Employing energy efficient solutions and Green building designs & operations at premises

  • Continuous tracking, monitoring and reduction in emissions to meet 2030 targets

• Diversity & Financial Inclusion

  • Digital onboarding and servicing solutions for unbanked mass market within CPBB

  • Exploring Supply Chain solutions for SMEs for CCIB clients'

    suppliers, vendors & distributors

  • Collaborations with DOs and Micro Finance Institutions

  • Low-Cost Housing Finance for low-income segments

  • Hiring practices aligned to increase female & differently-abled people in work streams

  • First ever Gender Bond being launched for clients

• Community Engagement & Impact

  • Expansion of GOAL programme to equip young girls with life enhancing skills - 90K + impacted

  • Helping women entrepreneurs scale their businesses through #WIT programme - more than150 direct beneficiaries so far

  • Providing coaching and funding to women agri-preneurs in rural areas in partnership with British Asian Trust

  • Providing employment opportunities to people with disabilities in partnership with Sight savers - Target 960

• Embedding Fair pay principles

  • Launch of Employee assistance programs

  • Skills & development opportunities

  • Flexible work arrangements

  • Inflationary adjustments for impacted staff

• ESG Advisory

  • Provide thematic and bespoke advice to support our

    clients on environment and social issues

  • Helping clients on KPI bench markings, ESG ratings and climate risk mitigation

• Ethics & Transparency

  • Instituting industry leading Anti Bribery & Corruption policies and strong Risk management practices

  • Robust Business Continuity Planning and H&S standards

  • Employing best reporting standards

  • All encompassing Country Conduct Plan to ensure highest ethical standards in interactions with internal and external stakeholders

• Board & Director Diversity

• Employing best in class diverse composition of Board INEDS and NEDs

• Vibrant and diversified Board in terms of skills, experiences and exposures

• Continuous knowledge sharing and building practices to further enhance Board capacity

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